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Member
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Registered: ‎08-08-2011
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Re: BEST BUY ***Just a thanks***

^^^^^^^OH!!OK Got it now!! THANKS!! Well at least it well help towards utilization.^^^^^^^ 

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Posts: 51
Registered: ‎08-25-2011
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Re: BEST BUY ***Just a thanks***

It may actually be a soft pull. I got a BB store card within the last month and just checked EX and TU this week and it does not show up on mine as a hard pull. However, I had a BB store card a number of years ago (always in good standing...I used it for financing deals and was never late and always paid off the balance before interest was charged). Anyway, I have a BB inq showing up as a soft pull. 

 

So if you had a card in the past that was in good standing, then HSBC may do a soft pull.

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Re: BEST BUY ***Just a thanks***

Did you check EQ as well? You have a soft on EX or TU from the date you applied?

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 734 11/2012 (PSECU), TU98 695 9/2012
Goal Score: 725+ across the board


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Re: BEST BUY ***Just a thanks***

[ Edited ]

EX, I'm in NC. I did not check EQ. But the soft shows up on EX, no hard.

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Re: BEST BUY ***Just a thanks***

IIRC (if I recall correctly), HSBC pulled Equifax for me when I got the store card. This could very well vary, though.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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Re: BEST BUY ***Just a thanks***

Interesting. I'd like to see if OP only gets softed as well. I thought HSBC pulled EQ and/or TU mainly.

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 734 11/2012 (PSECU), TU98 695 9/2012
Goal Score: 725+ across the board


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Re: BEST BUY ***Just a thanks***

A lot of people on whogavemecredit are saying EQ so maybe I need to check that one too, but it's showing up on EX for me.

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Registered: ‎08-14-2011
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Re: BEST BUY ***Just a thanks***

As others have said, it's worth the hard pull assuming you don't have a lot of inquiries on you right now.  2k limit + whatever money you saved by signing up for the card + 18 months no interest is pretty sweet!

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Re: BEST BUY ***Just a thanks***


PNut08 wrote:

A lot of people on whogavemecredit are saying EQ so maybe I need to check that one too, but it's showing up on EX for me.


Many, many lenders will soft you on one report but pull a hard for an actual app on another. That way they have more info on you, since many people have, errr, "prettier" reports with one CRA than another. :smileywink:

 

--and that happens both when you already are a customer, and when you don't have an account with them.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Member
Posts: 17
Registered: ‎10-29-2011
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Re: BEST BUY ***Just a thanks***

It is not a soft pull!  HSBC does a hard inquiry that is reported to all 3 credit reporting agencies.  I would bet that she had no idea what you were talking about.




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